KreddoCompare loans in Sweden
Credit cards

Credit cards with no annual fee — compare the interest-free period and rewards

A credit card is free as long as you pay the whole invoice on time. If you do not, the credit costs 20–22% a year — and since 2026 there is no interest deduction.

Best overall

Bank Norwegian Kreditkort

Annual fee0 kr
Interest-free credit45 days
Credit rate22.00 %
Cashback0.5% on everything
Withdrawal feeSEK 0
Credit limitSEK 150,000
  • No annual fee
  • No ATM withdrawal fee
  • Travel insurance included
Read more Advert. We are paid if you apply.

Representative example: credit drawn SEK 15,000 over 1 yr at a nominal rate of 22.00 % gives an effective rate of 24.36 %. Total repayable SEK 16,847 across 12 payments of SEK 1,404. Interest-free for 45 days if the invoice is paid in full on time.

re:member Flex

Annual fee0 kr
Interest-free credit56 days
Credit rate21.95 %
CashbackDiscounts via partners
Withdrawal fee3%
Credit limitSEK 100,000
  • 56 days interest-free credit — the longest on the market
  • Fuel discount at Preem
Read more Advert. We are paid if you apply.

Representative example: credit drawn SEK 15,000 over 1 yr at a nominal rate of 21.95 % gives an effective rate of 24.30 %. Total repayable SEK 16,843 across 12 payments of SEK 1,404. Interest-free for 56 days if the invoice is paid in full on time.

Best for travellers

SAS EuroBonus World Mastercard

Annual fee0 kr
Interest-free credit45 days
Credit rate21.95 %
Cashback0.4–1.5 points per SEK 10
Withdrawal fee3%
Credit limitSEK 100,000
  • Extra points on SAS flights
  • Travel insurance
  • No annual fee on Classic
Read more Advert. We are paid if you apply.

Representative example: credit drawn SEK 15,000 over 1 yr at a nominal rate of 21.95 % gives an effective rate of 24.30 %. Total repayable SEK 16,843 across 12 payments of SEK 1,404. Interest-free for 45 days if the invoice is paid in full on time.

Collector Purple

Annual fee0 kr
Interest-free credit56 days
Credit rate11.95 %
CashbackNone
Withdrawal fee3%, minimum SEK 45
Credit limitSEK 50,000
  • No annual fee
  • All-risk insurance for 2 years on electronics paid for in full with the card
Read more Advert. We are paid if you apply.

Representative example: credit drawn SEK 15,000 over 1 yr at a nominal rate of 11.95 % gives an effective rate of 12.63 %. Total repayable SEK 15,989 across 12 payments of SEK 1,332. Interest-free for 56 days if the invoice is paid in full on time.

Best for drivers

OKQ8 Visa

Annual fee0 kr
Interest-free credit30 days
Credit rate21.75 %
CashbackSEK 0.25 per litre of fuel
Withdrawal fee3%
Credit limitSEK 60,000
  • Fuel discount on every fill-up
  • 1% interest on money you deposit
Read more Advert. We are paid if you apply.

Representative example: credit drawn SEK 15,000 over 1 yr at a nominal rate of 21.75 % gives an effective rate of 24.05 %. Total repayable SEK 16,825 across 12 payments of SEK 1,402. Interest-free for 30 days if the invoice is paid in full on time.

ICA Banken Visa

Annual fee0 kr
Interest-free credit30 days
Credit rate20.95 %
CashbackBonus on ICA purchases
Withdrawal feeSEK 0 in ICA stores
Credit limitSEK 100,000
  • Bonus collected automatically
  • Free withdrawals at the ICA till
Read more Advert. We are paid if you apply.

Representative example: credit drawn SEK 15,000 over 1 yr at a nominal rate of 20.95 % gives an effective rate of 23.08 %. Total repayable SEK 16,756 across 12 payments of SEK 1,396. Interest-free for 30 days if the invoice is paid in full on time.

See also

Updated 2 September 2026